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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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Housing Leverage in Australia

1 Jul 2003 RDP 2003-09
Luci Ellis, Jeremy Lawson and Laura Roberts-Thomson
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2003/2003-09.html

Preliminary Analysis

31 Dec 2003 RDP 2003-09
Luci Ellis, Jeremy Lawson and Laura Roberts-Thomson
It is also the threshold above which borrowers require mortgage insurance.
https://www.rba.gov.au/publications/rdp/2003/2003-09/preliminary-analysis.html